CORE BANK PROCESSING NUPOINT. Dynamic Solutions. Superior Results.

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1 CORE BANK PROCESSING NUPOINT Dynamic Solutions. Superior Results.

2 NUPOINT FULL INTEGRATION OF CORE SERVICES AND MUCH MORE FULL INTEGRATION across banking platforms NuPoint provides your bank with a dynamic, stable infrastructure that can enhance the performance of your branches, employees and customers. As a robust core processing platform, NuPoint delivers the following advantages to your bank: Full integration across banking platforms Responsive, cloud-based architecture that eliminates hardware and software expenditures Customized views of information at both the bank and user level RESPONSIVE, cloud-based architecture that eliminates hardware & software expenditures System flexibility so subscribable services are available to each user at any bank workstation NuPoint is an easy-to-use platform, backed by superior service, that puts your entire financial institution at your fingertips through a single sign-on. CUSTOMIZED views of information at the bank and user level SYSTEM FLEXIBILITY so subscribable services are available to each user CSI TAKES THE COMPLEXITIES OUT OF CORE PROCESSING WITH NUPOINT. Our fully integrated platform simplifies the processes and applications essential to your bank s everyday operations. Ideal for financial institutions wanting to operate in a service bureau environment, it makes your core operations personalized, optimized and secure.

3 FINANCIAL MANAGEMENT SYSTEM Complete integration of general ledger accounting into core applications PRODUCTIVITY NUPOINT TRANSACTION MANAGER Improved efficiency for managing the transaction process NuPoint Transaction Manager simplifies how transactions are entered, assessed and tracked. Through this solution, you gain stronger control over the transaction process, improving reconciliation time and fee assessments. NuPoint Transaction Manager provides a way for banks to create efficiencies and drive revenue to the bottom line. NuPoint Transaction Manager provides the following key benefits: Streamlines the process for entering multiple entries to complete a transaction Ensures you are collecting fee income for services provided with each transaction Allows you to create transaction sets and group them accordingly Provides for more efficient transaction entry and accurate code usage The Financial Management System (FMS) provides a comprehensive information source, which enables financial managers to control the quality of their general ledger processing and senior management reporting effectively. Through CSI s FMS, accounting personnel can monitor, control and analyze all general ledger functions in order to fulfill management requirements. Creates customized charts of accounts with unlimited sub-totaling abilities Provides real-time, customizable reporting of your bank s financial health Allows up to 30-day window for month-end reporting with full report archival NUPOINT TELLER Increased productivity for employees, banks and bottom-line results NuPoint Teller streamlines banking operations for your employees, making them more efficient and productive. This solution provides multiple conveniences to tellers so that they can perform their job more easily, securely and optimally. For instance, tellers have access to menu-driven financial transactions and shortcut keys to make routine functions easier. Through NuPoint Teller, CSI offers key benefits that improve the performance of both employees and financial institutions: Includes teller productivity tools like pop-up windows for cash count and item list Evaluates activity by time so you can better schedule staff Prints official checks from teller station, as well as return receipts by mail for night deposits Provides centralized cash drawer control and audit functions

4 NUPOINT TELLER CAPTURE CSI NuPoint Teller Capture automates your bank s front-line customer-facing transaction processing by combining image processing with teller functionality. Integrated check scanning combined with account number validation, virtual ticketing, fraud detection, risk mitigation controls and image verification are delivered through these key features: Utilizes Burroughs SmartSource Elite check scanners to capture images and MICR data while the customer is either present or has left the teller window (deferred transactions) Uses A2ia CAR software within the capture system, which provides industry-standard read rates on fields and minimizes teller keystrokes for item repair Validates on-us items on all required fields (routing and transit numbers on transit checks are analyzed for accuracy and presented to the teller for repair in order to ensure accurate check routing for the bank) Performs item-level duplicate checking on DDA and transit checks Suggests virtual tickets from library that fit each transaction, or the user can create additional virtual tickets within the transaction Includes a variety of reports to review teller activity and volume, by public ID and by location NUFUND Automated online account opening process Providing your customers with online tools to open and fund new accounts is essential to your success. CSI developed NuFund so that customers can open checking, savings, Certificates of Deposit and HSA accounts through a simple Web-based process. Allows banks to set parameters for products and services by geographical markets Integrates seamlessly into NuPoint so you don t have to rekey or upload data Offers a secure, compliant process for online account openings NUPOINT PLATFORM Streamlined processes for creating new deposit accounts NuPoint Platform simplifies the steps needed for employees to create new deposit accounts. By utilizing innovative tools to automate the process, NuPoint Platform decreases the time it takes to open new accounts, which increases productivity and customer satisfaction. When customers walk into your branch, NuPoint Platform makes it easy to open new accounts through these key benefits: Uses existing customer information to complete and print the necessary forms Supports driver s license scanning to populate the demographic screen Submits account information directly into the host system, eliminating the need to rekey data Includes predefined fields for quick navigation through the account opening process VOICE RESPONSE Automated account access through a standard channel still in customer demand CSI s Voice Response allows you to deliver secure, integrated account functions to your customers from any phone in the continental United States. With CSI, you have the ability to deliver high-quality phone-based offerings that customers continue to rely on today. Banks can offer the following features through CSI s Voice Response: Allows customers to split loan payments, transfer funds, review previous activity and more Lists pending ACH items that make up the available items Directs customers on procedures for technical support

5 RELATIONSHIP PRICING Comprehensive tools for maximizing your relationships and bank profitability LOANS Relationship Pricing creates consistency in your loan-pricing processes and identifies cross-selling opportunities. By using what-if scenarios, this tool allows you to analyze multiple account or single loan opportunities to determine the best fit for your customer. Enables you to adjust interest rates and fees based on objective analyses Allows you to analyze how accounts in the customer relationship impact your bank s profitability Ensures loan officers meet the bank s objectives when negotiating loan terms Provides detailed reports to prove you re using a sound basis for loan-pricing decisions NUPOINT EXCEPTION TRACKING Enhanced visibility into exceptions NuPoint Exception Tracking increases your insight into exceptions and provides an audit trail for monitoring the overall exception process. It gives you the necessary tools to track documentation and underwriting exceptions. With system flexibility and reporting tools, NuPoint Exception Tracking makes the loan process more effective for both your employees and your customers. NuPoint Exception Tracking offers the following advantages: Tracks documentation and underwriting exceptions throughout the loan process Provides an audit trail for increased transparency and accountability Allows for exceptions at the account level, relationship level or both Categorizes by any department responsibility Offers scalability to any size organization LOANS + Powerful software that enables sound decisions based on solid information CSI s Loans + gives banks a comprehensive, fully integrated software suite for making strategic loan decisions. It provides the tools and information you need to protect the integrity of your bank s assets. Through this software suite, banks can maximize returns and minimize risk. CSI s Loans + provides the following tools for today s financial institutions: Includes solutions for risk management, collateral valuation, budget tracking and credit administration Captures customer, financial, host, underwriting, loan committee and executive information Provides automated feedback that includes tracking, auditing, reviewing, analysis, compliance and reporting features Creates efficiencies through the automation of data management

6 REPORTING NUVIEW Detailed insight into your bank s performance through complete reporting tools FINANCIAL DASHBOARD Dynamic snapshot of the information most relevant to you NuView gives you a powerful data-analytics tool for enterprisewide reporting. With a variety of capabilities, it provides access to all of your daily reports from any computer in your bank. NuView not only delivers opportunities for standard and customer reporting, but also provides cold storage for archival and easy access of reports. Through NuView, customers have access to three levels of reporting: Executive View gives you quick access to executive-level information for each application, offering the ability to build a customized portfolio of reports. It features bookmarks, graphs, historical data and export options. Center View provides stock reports that CSI prepares daily. These reports are archived in cold storage, so that you can access them at your convenience. NuPoint Reporter is an advanced ad-hoc reporting tool that allows you to create reports meaningful to your bank. It allows you to design graphical reports, schedule reports to run automatically and create alerts when critical, bank-defined information passes a threshold. With innovative design, these reports deliver a high-level, graphical overview of how your bank is performing. Dashboards make it easy to recognize trends that are impacting your bank, employees and customers. Delivers a graphic, dynamic output that s easy to analyze Receives automatic daily updates so you get accurate insight into ongoing performance Provides up to 13 months of rolling trend analysis Calculates 10 key performance indicators with trends available

7 PROFITABILITY REPORTING Enhanced decision-making and performance in a highly competitive market CSI s Profitability Reporting delivers a robust tool for making more informed decisions that drive better results in today s marketplace. It allows you to identify organizational, branch, product, customer and officer profitability using the industrywide best practice method of Funds Transfer Pricing to provide spread profitability, which accurately allocates net interest margin across all segments of the bank. Profitability Reporting consists of two components: Margin Performer and Profit Performer. MARGIN PERFORMER Margin Performer offers the following advantages: Ranks customers by most/least profitable to help develop retention and marketing strategies Provides trending analyses with 24 rolling periods, enabling you to pinpoint opportunities Allows you to compare your products to other banks using Margin Performer Represents your organization s performance in easy-to-use drill-down categories PROFIT PERFORMER Profit Performer expands beyond Margin Performer to give you a complete profitability picture: Calculates non-interest income based on service charges, overdraft fees, prepayment penalties and more Analyzes your general ledger to identify non-interest expense based on servicing, origination costs, general overhead and activity-based costing Determines capital needs based on RAROC model to provide ROE performance at each bank segment

8 RISK MITIGATION NUMONITOR Automated transaction monitoring for reducing fraud and strengthening compliance POSITIVE PAY Advanced check fraud protection that safeguards your bank and customers NuMonitor supports your compliance needs by monitoring transactions for suspicious activity and regulatory violations. Fully integrated into NuPoint, this platform detects potential money laundering and prevents losses from check and deposit fraud. NuMonitor automates the transaction-monitoring process, improving your compliance posture and freeing up personnel for other revenue-generating activities. Includes standard rules that mirror the types of fraud to which banks are most vulnerable Compares amounts and frequencies to known fraud trends and parameters Allows bank personnel to select and manage monitoring criteria Identifies and reports transactions or patterns that fall outside the identified criteria Positive Pay allows you to verify the authenticity of checks before you pay them. As an integrated fraud protection tool, it compares checks paid against customer checks issued and identifies suspect items. Positive Pay provides a proactive tool for managing check fraud and maintaining compliance. Enables unique parameters for check number ranges and high-dollar limits based on customers check-writing needs Identifies counterfeit, altered and misencoded checks, as well as unauthorized copies Detects suspect status based on mismatched amounts, previously paid checks or check numbers not issued Alerts tellers of suspected items before they cash a check

9 CSI IQ Are you ready to reimagine how data drives decisions and redefine the branch experience for your customers? Fully integrated into our NuPoint core processing solution, CSI IQ delivers a suite of value-added enhancements and ancillary solutions that allow you to see your customers and your business in new ways. CSI IQ delivers the following advantages to your bank: Enhanced customer search capabilities and views of information Empowered employee mobility through core integration on tablet devices Access to the same analytical/data management power as the largest banks in the world From greater search and data view functionality to reimagined mobility and world-class business analytics capabilities, CSI IQ provides your financial institution with the tools it needs to be competitive in the marketplace and meet evolving consumer demands. CSI IQ DELIVERS THE FOLLOWING ADVANTAGES: Business Intelligence Take control of one of your most valuable assets data with CSI s Business Intelligence solution. Customer View Give your bank a complete and simplified look into your data-rich customer information through a user-friendly, interactive visual interface. CSI IQ

10 MOBILITY WI-FI SERVICES Implement a secure wireless network strategy Wi-Fi Services offer institutions a wireless network solution that is easy to install, implement and audit. With CSI, your bank gains the infrastructure to set up in-bank Wi-Fi access points that can serve two functions private hot spots and public hot spots at each branch. Wi-Fi Services enable the following advantages: Establish in-bank access points at each branch that create both private and public Wi-Fi networks Offer customers and employees secure wireless connections that are implemented and managed by CSI Create a secure and compliant network throughout all your bank s branches

11 TABLET SERVICES Reimagined employee mobility and access to information With Tablet Services, your bank can integrate the technology its needs to boost employee productivity and enhance the customer experience across all your branches, helping maximize the return on your branch investments. Our Tablet Services empower employee mobility throughout your branches by providing access to all NuPoint core services on tablet devices that run Windows 8. Apple ipad users also can access a subset of NuPoint services that run from Microsoft Word through an app that can be downloaded in the Apple B2B marketplace. Tablet Services empower your institution in the following ways: Transform your bank s branches and engage customers in new ways by leveraging tablet devices at your bank as sales and service tools Mobilize employees with access to information from the core in ways that are convenient and portable Incorporate new, efficient and paperless productivity processes for employees as an alternative to traditional PCs, laptops and printed materials

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